AccountUSA Privacy Promise for Consumers

Your privacy is important to AccountUSA. While information is the cornerstone of our ability to provide superior service, our most important asset is our customers' trust. Keeping customer information secure, and using it only as our customers would want us to, is a top priority for all of us at AccountUSA. Here is our promise to our individual customers:

1. We will safeguard, according to strict standards of security and confidentiality, any information our customers share with us.
2. We will limit the collection and use of customer information to the minimum we require to deliver superior service to our customers, which includes advising our customers about our products, services and other opportunities, and to administer our business.
3. We will permit only authorized employees, who are trained in the proper handling of customer information, to have access to that information. Employees who violate our Privacy Promise will be subject to our normal disciplinary process.
4. We will not reveal customer information to any external organization unless we have previously informed the customer in disclosures or agreements, have been authorized by the customer, or are required by law.
5. We will always maintain control over the confidentiality of our customer information. We may, however, facilitate relevant offers from reputable companies. These companies are not permitted to retain any customer information unless the customer has specifically expressed interest in their products or services.
6. We will tell customers in plain language initially how they may remove their names from marketing lists. At any time, customers can contact us to remove their names from such lists.
7. Whenever we hire other organizations to provide support services, we will require them to conform to our privacy standards and to allow us to audit them for compliance.
8. For purposes of credit reporting, verification and risk management, we may exchange information about our customers with reputable reference sources and clearinghouse services.
9 . We will attempt to keep customer files complete, up-to-date, and accurate. We will tell our customers how and where to conveniently access their account information (except when we're prohibited by law) and how to notify us about errors which we will promptly correct. We will continuously assess ourselves to ensure that customer privacy is respected and our integrity is maintained. We will conduct our business in a manner that fulfills our Promise everywhere we do business.

Tips to Protect Your Information
AccountUSA works hard to keep your information secure. You can help by following these tips to protect your information:

* Store personal information in a safe place and tear up or shred old receipts and account statements before throwing them away.
* Protect your PIN and other passwords. Do not share them with anyone unless it's for a service or transaction you request and you are confident the other party will protect the information as you would.
* Carry only the minimum amount of identifying information you require.
* Pay attention to your statements. Inquire if you do not receive a statement.
* Check account statements carefully to ensure all charges, checks, or withdrawals are authorized.
* Guard your mail from theft. Promptly remove incoming mail.

Please also read AccountUSA's Internet Privacy Policy below, which outlines our privacy policy for our Internet site users.

AccountUSA Internet Privacy Policy

Welcome to the AccountUSA Website. This section explains our policy regarding any personal information you might supply to us when you visit this site. Our goal is to protect your information on the Internet in the same way that we protect it in all the other ways we interact with you: at ATMs and on the phone.

1. You can visit this site and find out about our products and services, check on career opportunities, or use other value-added services without giving us any information about yourself.
2. If you do provide personal information, refer to the "AccountUSA Privacy Promise for Consumers" above.

Cookies
In order to provide better service or to address security hazards, we will occasionally use a “cookie." A cookie is a small piece of information which our website stores on your Web browser on your PC and can later retrieve. The cookie cannot be read by a website other than the one that set the cookie. We use cookies for a number of administrative purposes. For example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our site, as well as to maintain security and to improve our website for you. Most cookies last only through a single session, or visit to our site. None will contain information that will enable anyone to contact you via telephone, e-mail, or any other means. You can set up your Web browser to inform you when cookies are set or to prevent cookies from being set. You may also choose not to enable cookies on your browser, however, you will not be able to use some of the services on the AccountUSA website.

E-mail Addresses
If you supply us with your e-mail address, we may let you know by e-mail about special marketing offers for products and services that may be of interest to you. This may include, but is not limited to, online services, deposit products, travel offers, and business cards. When we collect your e-mail address, and with each special marketing offer e-mail message we send, we will provide you with the opportunity to tell us that you do not wish to receive special marketing offer messages from us in the future. However, AccountUSA reserves the right to service your account and communicate with you through e-mail about your account. This may include, but is not limited to, activating your accounts, providing you with confirmations, bill reminders, updates to any services or policies, adding an authorized user, and the online banking service.

Internet Security
AccountUSA uses encryption technology to protect certain information sent over the Internet. SSL is an encryption technology known as “Secure Sockets Layer”. SSL encrypts transmissions between two parties and verifies the website server you are communicating with. An “s” after the “http” in a website’s address indicates that you are attached to a secure server using SSL technology. Additionally, if your browser is Microsoft Internet Explorer 3.0, Netscape Navigator 4.0, or a higher version of either, a picture of a lock or a key should appear in the lower right hand corner of the browser’s window.